供应链金融视角下的小微企业信用风险评价  

BP neural network model of credit risk evaluation for SMEs-in perspective of supply chain finance

作　　者：李媛媛[1] 马玉国[1] 

机构地区：[1]河海大学商学院,江苏南京211100

出　　处：《现代电子技术》2014年第12期32-36,共5页Modern Electronics Technique

基　　金：国家自然科学基金项目:不完全语言判断的群决策方法及应用研究(71101043)

摘　　要：近年来,随着小微企业融资难的问题日益凸显,供应链金融作为新的融资渠道,正受到越来越多的重视,科学、准确的风险评价对控制供应链金融中的信贷风险至关重要。通过建立和完善小微企业信用风险评价指标体系,采用BP神经网络模型为小微企业信用风险评价开辟新途径。BP神经网络是一种智能算法,它具有自我学习和自适应的特点。通过实例,分析和检测了该BP神经网络模型,结果令人满意。证明该模型确实可行,能够应用于供应链中各小微企业的信用风险评价。More attention to supply chain finance as a new form of financing channel is paid with the increasing highlight of the financing difficulty of small and medium-sized enterprises（SMEs）. It is crucial for scientific and accurate risk assessment to control the control of the credit risk of supply chain finance. BP neural network model is used to open up a new way for credit risk assessment of SMEs based on the establishment and improvement of an index system of credit risk evaluation for SMEs. BP neural network model is a smart algorithm with self-learning and adaptive characteristics. The BP artificial neural network model was analyzed and detected in a practical case. The feasibility of the model was proved. The result is satisfactory. The model can be used to assess SMEs′ credit risk in the supply chain.

关 键 词：供应链金融 BP神经网络 小微企业 信用风险评价 

分 类 号：TN911-34[电子电信—通信与信息系统]